Clipping of news on Brazilian Culture, Law and Citizenship
01.06.2016
This article was translated by an automatic translation system, and was therefore not reviewed by people.
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According to research, 80% believe that the economic conditions have worsened in the past year
Credit ; cash ; pay debts; default; overdue accounts; real ; (Photo: Brazil Agency / Files) (
Pay debts out of the red is the main desire of Brazilian consumers in 2016, according to research pointed the credit bureau (SPC Brazil) and National Confederation of Shopkeepers (CNDL). The goal is listed before other popular New Year resolutions, like losing weight.
The survey shows that 37% of consumers have a priority pay off arrears, well ahead of the 27.5% who want to lose weight. Among the goals appear also practice some physical activity (34.3%) and purchase or change cars (27.6%).
Brazilians who have overdue bills, 59.6% intend to pay them in the next six months, but 38.1% have no estimate of when able to settle them.
Among consumers who have delinquent accounts and are to negative, the villain was the credit card: 64.6% failed to pay at least a portion, rising to 80.8% among women.
The study indicates that the average value of all the debts of defaulting consumers, including interest and penalties, amounts to R $ 11,472, although it is important to note that 42.8% of respondents did not know how much they owe.
The risk of failing to pay debts also appears as the greatest fear for 2016: 56.9% of respondents cited, with percentages higher among women (61.0%) and people aged 50 or over (69.6% ). They were also mentioned health problems (54.6%), the possibility of being victims of violence and / or assault (35.2%) and that the country does not come out of the current crisis (27.1%).
New habits
According to research, to overcome the problems caused by the economic crisis, the majority of consumers intend to organize household bills (56.3%). Of the interviews, 36.4% said they want to avoid using credit card, 33.8% want to avoid shopping installment and 32.7% plan to pay for most purchases in sight.
Research shows that consumers understand the gravity of the situation and intend to act to prevent financial imbalance. "Measures such as the organization of the accounts and the wise use of credit card can make a difference in the budget throughout the year, since there is no forecast when there will be economic recovery," says the chief economist of the SPC Brazil, Marcela Kawauti. "Consumers know that cash purchases are risk debt, a situation that could get away with even more control in the event of unemployment."
Ranking of overdue accounts - SPC research and CNDL (Photo: Playback / SPC)
The survey also shows which are consumer expectations regarding the economic situation of the country in 2016. In three out of ten respondents (31.1%), the situation will be worse than last year, while 37.0% who imagine that Will be better.
Among the pessimists, the main consequences expected from the worsening of the economic scenario are doing less shopping (55.6%), reduce the consumption of luxury goods (48.4%, increasing to 59.7% in classes A and B) and have greater difficulty to save and store cash (45.4%).
Among the goals not achieved over the past year, the most frequently cited by Brazil was to make a great trip (35.0%), followed by fail to save and make money reserve (33.0%), buying a car (27.9%), reform the home (26.9%) and also acquire home ownership (20.0%).
In total, they interviewed 600 men and women over 18 years across the country. The sum total exceeds 100% because respondents could choose more than one goal.
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This article was translated by an automatic translation system, and was therefore not reviewed by people.